Buy This Book: The Money Book for Freelancers

Per the PR:
We make our own hours, keep our own profits, chart our own way. We have things like gigs, contracts, clients, and assignments. All of us are working toward our dreams: doing our own work, on our own time, on our own terms. We have no real boss, no corporate nameplate, no cubicle of our very own. Unfortunately, we also have no 401(k)s and no one matching them, no benefits package, and no one collecting our taxes until April 15th.

It’s time to take stock of where you are and where you want to be. Ask yourself: Who is planning for your retirement? Who covers your expenses when clients flake out and checks are late? Who is setting money aside for your taxes? Who is responsible for your health insurance?

Take a good look in the mirror: You are.

The Money Book for Freelancers, Part-Timers, and the Self-Employed describes a completely new, comprehensive system for earning, spending, saving, and surviving as an independent worker. From interviews with financial experts to anecdotes from real-life freelancers, plus handy charts and graphs to help you visualize key concepts, you’ll learn about topics including:

• Managing Cash Flow When the Cash Isn’t Flowing Your Way
• Getting Real About What You’re Really Earning
• Tools for Getting Out of Debt and Into Financial Security
• Saving Consistently When You Earn Irregularly
• What To Do When a Client’s Check Doesn’t Come In
• Health Savings Accounts and How To Use Them
• Planning for Retirement, Taxes and Dreams—All On Your Own


Thank you very much for this, Joni. I've been thinking about this a lot lately, since I'm shifting into a "string of part-time jobs" and gigs kind of existence, versus a full-time/401k/health benefits one. Fortunately, Mark and I currently are covered under his plans, BUT I know that may not always be the case, so I've been investigating other options. One thing I've always wondered though: why aren't there more groups of artists banding together to get some sort of group health insurance plan going? I know there are laws about who and what is considered a business, but it seems like one great solution would be for artists in a certain location to get together and form some sort of coalition in order to have more bargaining power.

And by the way, even though Mark and I are "covered" by his company, we still pay $600 every month out of our own pockets for insurance, in addition to what the company pays. Don't even get me started about how ridiculous that is.
Joni Rodgers said…
My impression on first glance was "Where was this book ten years ago?!"

Another great resource is "The Writer Got Screwed" by Brooke Wharton. The technology is very dated, but the ideology is timeless.

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